AEON iCASH Personal Financing

This is a simple AEON personal financing with express approval and flexible repayments. Pay at low monthly profit rates for up to seven years!

AEON iCASH Personal FinancingExpress Approval
Profit Rate
From 7.92% p.a.
up to RM100k
up to 7 years
Min. Income

Loan calculator

Profit rates

Based on your loan amount & loan period, the profit rates are as low as the following

Financing ValueFinancing periodYour IncomeProfit Rate
RM1,000 - RM100,0006 to 84 monthsmin. RM18,0007.92% p.a. - 18% p.a.

Fees & Charges

Profit Rate / APR
As low as 7.92% p.a.,depending on financing amount and period
Processing Fee
From 2% to 4% of the financing amount, and the maximum fee is capped at RM400.
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
Late Penalty Fee
From RM18 to RM40, subject to terms and conditions


Minimum Annual Income
Minimum Age
  • 18 to 65 years old
Who can apply
  • Malaysians
  • Salaried employee
  • Self-employed
  • Government employee

More Information

In need of cash to meet your children's college fees or expensive medical bills? Or maybe going on a holiday or for DIY home improvement? 

A personal financing plan like AEON iCASH Personal Financing can help bridge the financial gap without breaking the bank!

Tell me about AEON iCASH Personal Financing.

AEON iCASH Personal Financing is an unsecured Islamic personal financing with a high financing limit and low monthly profit rates. 

This Islamic personal financing is easy to apply and does not require a security deposit or guarantor.

You can borrow a minimum of RM1,000, up to RM100,000 from AEON iCASH Personal Financing and repay the Islamic facility over flexible terms between 6 to 84 months.

Who can apply for AEON iCASH Personal Financing?

AEON iCASH Personal Financing is open to Malaysian citizens working in the private sector and uniform bodies such as the police and military, with a minimum income of RM1,500 every month.

How fast can I get my money?

Typically, AEON takes up to three (3) days to process and approve your iCASH Personal Financing application. Interestingly, you can get your approved money disbursed to your chosen savings or current account even on Sunday!

Before you can get your hand on the money, you are required to sign the Sales & Purchase Agreement at the respective AEON Credit counter. Then you can withdraw the money from any ATM machine.

If you have the AEON Credit Prepaid MasterCard, you can have your funds transferred to your card for up to RM10,000 and withdraw at your nearest AEON Credit Branch.

How do I pay the money back?

Payments of your iCASH Personal Financing facility should be made by the 2nd day of every month. 

There are various payment channels provided such as internet banking, ATM transfer, interbank GIRO, cash and cheque deposit machine and over-the-counter at AEON Service Centre. 

At any time you are late on your monthly payment, you will be charged a penalty between RM18 to a maximum of RM40.

What is the cost of obtaining AEON iCASH Personal Financing?

There is a processing fee of 4% for the financing amount below RM10,000. Planning to finance more than that? Enjoy only a 2% processing fee for an amount between RM10,001 and RM100,000, capped at RM400.

As of writing, it is also worth highlighting that you will need to pay a Wakalah Fee of RM10.60 (inclusive of 6% SST).

Can I pay my AEON iCASH Personal Financing off early?

Of course. You can finish paying your iCASH Personal Financing facility as soon as you wish with no charges at all!

What documents do I need to prepare for AEON iCASH Personal Financing application?

First of all, you need to be a Malaysian citizen aged 18 years old and above with a minimum gross income of RM1,500 per month. Together with your application form, you need to provide all these supporting documents.

If you're a Salaried Employee:

  • Copy of your IC (front and back)
  • Latest 1-month payslip or
  • Latest EPF statement

If you're a Variable Income Earner (Commission or Non-commission):

  • Copy of your IC (front and back)
  • Latest 3-months payslips or
  • Latest 6-months commission statement or
  • Latest EPF statement

If you're Self-Employed:

  • Copy of your IC (front and back)
  • Company Business Registration Certificate (ROC and ROB) and any of the supporting documents below:
  • Latest 6 months Company's principal current account statement either, or
  • Latest updated bank saving account passbook or bank statement (for verification purposes), or
  • Latest updated BE/E Form and Tax payment receipt.
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